Financial Services / Credit ServicesXETRA
$421.80
+7.80 (+1.86%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 100.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
37/100
D
Piotroski
8/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$372.7B
P/E
28.5x
↑EV/EBITDA
19.1x
↑ROE
193.5%
↑Gross Margin
77.9%
↑Debt/Equity
2.46
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.8%
FCF CAGR
+17.6%
FCF margin
50.1%
FCF / Net income
1.10x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $32.79B · net income $14.97B · FCF $16.43B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $32.79B | $32.79B | $28.17B | $25.10B | $22.24B |
| Net Income | $14.97B | $14.97B | $12.87B | $11.20B | $9.93B |
| EBITDA | $20.44B | $20.44B | $16.80B | $15.01B | $12.95B |
| EPS | 16.52 | 16.52 | 13.89 | 11.83 | 10.22 |
| Gross Margin | 77.9% | 77.9% | 76.3% | 76.0% | 76.3% |
| Operating Margin | 59.5% | 59.5% | 58.0% | 58.3% | 57.2% |
| Net Margin | 45.6% | 45.6% | 45.7% | 44.6% | 44.7% |
| Balance Sheet | |||||
| Debt/Equity | 2.46 | 2.46 | 2.81 | 2.26 | 2.23 |
| Current Ratio | 0.98 | 0.98 | — | — | — |
| Cash Flow | |||||
| Free Cash Flow | $16.43B | $16.43B | $13.59B | $10.89B | $10.10B |
| Returns | |||||
| ROE | 193.5% | 193.5% | 198.5% | 161.6% | 157.7% |
| Valuation | |||||
| P/E | 28.48 | 28.48 | 36.44 | 32.34 | 33.47 |
| EV/EBITDA | 19.11 | 19.11 | 28.52 | 24.58 | 26.18 |
| P/B | 49.39 | 49.39 | 72.36 | 52.24 | 52.74 |
| Growth & Yield | |||||
| Revenue Growth | 16.4% | 16.4% | 12.2% | 12.9% | — |
| EPS Growth | 18.9% | 18.9% | 17.4% | 15.8% | — |
| Dividend Yield | 0.7% | 0.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
31.3%
EPS terminal req.
$37.43
Spread vs growth
-12.4%
5Y implied EPS CAGR
22.3%
EPS terminal req.
$45.29
Spread vs growth
-3.4%
10Y implied EPS CAGR
16.0%
EPS terminal req.
$72.94
Spread vs growth
2.9%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
-14.6%
Start / end P/E
36.4x → 25.9x
EPS bridge
13.89 → 16.52
Residual
-5.5%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.